The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$122,640
−HK$7,690/mo
▼ 0.25% · 3.875%
HK$126,454
−HK$3,876/mo
Today · 4.125%
HK$130,330
baseline
▲ 0.50% · 4.625%
HK$138,260
+HK$7,930/mo
Deposit HK$26.89M · loan HK$26.89M · min. income ≈ HK$260,660/mo (50% DSR)
Upfront cash ≈ HK$29.18M (deposit + AVD stamp duty HK$2,285,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,435
−HK$7,371/mo
▼ 0.25% · 3.875%
HK$140,094
−HK$3,712/mo
Today · 4.125%
HK$143,806
baseline
▲ 0.50% · 4.625%
HK$151,387
+HK$7,581/mo
Deposit HK$26.89M · loan HK$26.89M · min. income ≈ HK$287,612/mo (50% DSR)
Upfront cash ≈ HK$29.18M (deposit + AVD stamp duty HK$2,285,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,167
−HK$9,229/mo
▼ 0.25% · 3.875%
HK$151,745
−HK$4,651/mo
Today · 4.125%
HK$156,396
baseline
▲ 0.50% · 4.625%
HK$165,912
+HK$9,516/mo
Deposit HK$21.51M · loan HK$32.27M · min. income ≈ HK$312,792/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$2,285,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,722
−HK$8,846/mo
▼ 0.25% · 3.875%
HK$168,113
−HK$4,455/mo
Today · 4.125%
HK$172,568
baseline
▲ 0.50% · 4.625%
HK$181,664
+HK$9,096/mo
Deposit HK$21.51M · loan HK$32.27M · min. income ≈ HK$345,136/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$2,285,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,695
−HK$10,767/mo
▼ 0.25% · 3.875%
HK$177,036
−HK$5,426/mo
Today · 4.125%
HK$182,462
baseline
▲ 0.50% · 4.625%
HK$193,565
+HK$11,103/mo
Deposit HK$16.13M · loan HK$37.65M · min. income ≈ HK$364,924/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$2,285,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,009
−HK$10,320/mo
▼ 0.25% · 3.875%
HK$196,132
−HK$5,197/mo
Today · 4.125%
HK$201,329
baseline
▲ 0.50% · 4.625%
HK$211,941
+HK$10,612/mo
Deposit HK$16.13M · loan HK$37.65M · min. income ≈ HK$402,658/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$2,285,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,751
−HK$13,843/mo
▼ 0.25% · 3.875%
HK$227,618
−HK$6,976/mo
Today · 4.125%
HK$234,594
baseline
▲ 0.50% · 4.625%
HK$248,869
+HK$14,275/mo
Deposit HK$5.38M · loan HK$48.40M · min. income ≈ HK$469,188/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$2,285,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,583
−HK$13,269/mo
▼ 0.25% · 3.875%
HK$252,170
−HK$6,682/mo
Today · 4.125%
HK$258,852
baseline
▲ 0.50% · 4.625%
HK$272,496
+HK$13,644/mo
Deposit HK$5.38M · loan HK$48.40M · min. income ≈ HK$517,704/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$2,285,787 · Scale 2, in force from 26 Feb 2026)